What is individual insurance? How is it different from group insurance?
Individual insurance requires that you apply for your own personal policy and sign a contract directly with the insurance carrier. As part of the application process, you may have to answer a series of questions about your medical history. With group insurance, an employer signs a contract with the carrier; the coverage is available to eligible company employees if they choose to participate. If you are an independent agent, you may not be eligible for a group plan. It is important to understand and consider your individual insurance options.
